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RSA Visitors to Canada Travel Insurance
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TuGo Visitors to Canada
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Discover Canada | |
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| Overall Maximum Limit | $10,000, $15,000, $25,000, $50,000, $100,000, $150,000 | $10,000-$300,000 in $10,000 increments | $50,000, $100,000, $150,000, $300,000, $500,000, $1,000,000 |
| Deductible Options | Ages 85 and younger: no deductible, $100, $1,000. Ages 86 and older: $500 | No deductible, $500, $1,000, $2,500, $5,000, $10,000 | Ages 70 and younger: no deductible, $100, $250, $500, $1,000, $3,000, $5,000, $10,000, $25,000. Ages 71-90: $500, $1,000, $3,000, $5,000, $10,000, $25,000 |
| Pre-Existing Medical Condition Stability Period | 120 days prior to policy effective date | 120 days prior to policy effective date | Ages 70 and younger: 90 days prior to the effective date. Ages 71-80: 180 days prior to the effective date. Ages 81-90: no coverage for pre-existing medical conditions |
| Side Trips | Covers worldwide travel as long as the majority of the policy duration is spent in Canada. No coverage while in country of origin | Covers worldwide travel as long as the majority of the policy duration is spent in Canada. No coverage while in country of origin | Covers worldwide travel as long as the majority of the policy duration is spent in Canada. No coverage while in country of origin |
| Maternity | No coverage for maternity expenses in the 9 weeks before or after the expected delivery date | $3,000 of coverage if pregnancy commences after the policy effective date | $5,000 of coverage if pregnancy commences after the policy effective date and coverage remains in force for the entire duration of the pregnancy |
| Excluded Sports | All professional sports, competitive motorized sporting events, racing or speed contests, SCUBA diving (unless you hold a basic SCUBA designation from a Canadian certified school), hang-gliding, rock climbing, paragliding, skydiving, parachuting, bungee jumping, mountaineering | All professional sports, SCUBA diving (unless you are certified by an internationally recognized and accepted program) | Rock or mountain climbing, hang gliding, parachuting, bungee jumping, or skydiving; participation in any motor sport or motor racing; participation in any sport as a professional athlete (for which the insured person is remunerated) or scuba diving (except if certified by an internationally recognized and accepted program such as NAUI or PADI, or if diving depth does not exceed 30 metres) |
| Recommended for Super Visa Travellers | Yes | Yes - ages 89 and younger | Yes - ages 90 and younger |
| Hospital Accommodation/Physician | Reasonable and customary costs | Reasonable and customary costs | Reasonable and customary costs |
| Ambulance | Reasonable and customary costs | Reasonable and customary costs | Reasonable and customary costs |
| Prescription Drugs | $500 (limit does not apply when hospitalized) | $10,000 or 30-day supply (limit does not apply when hospitalized) | $2,000 or 30-day supply (limit does not apply when hospitalized) |
| Emergency Transportation | Economy airfare to country of origin including medical attendant or stretcher | Economy airfare to country of origin, including medical attendant or stretcher | Economy airfare to country of origin, including medical attendant or stretcher; air ambulance, if medically necessary |
| Specialists and Therapists | $500 per profession for physiotherapist, chiropractor, osteopath, chiropodist, podiatrist, acupuncturist | $500 per profession for physiotherapist, chiropractor, chiropodist, osteopath, podiatrist | $500 per profession for physiotherapist, chiropractor, osteopath, podiatrist, acupuncturist, psychiatrist/psychologist |
| Accidental Death and Dismemberment | N/A | $25,000 | $50,000 |
| Flight Accident | Up to overall maximum limit | $25,000 | $50,000 |
| Quebec Residents | The name and contact information of the insurer, together with the warnings about the consequences of misrepresentation or concealment, are described in the insurance policy (please click below on “Policy Wording”). | The name and contact information of the insurer, together with the warnings about the consequences of misrepresentation or concealment, are described in the insurance policy (please click below on “Policy Wording”). | For more information with regards to the name and contact information of the insurer, together with the warnings about the consequences of misrepresentation or concealment, please click here. |
